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Over 1,470 reviews forRockford Mortgage Brokers from people just like you.

A

"

did an awesome job refinancing our mortgage. He got us a great rate and made the entire process so easy. He gave us great advise on the" ...More best way to restructure our mortgage and guided us every step of the way. Both

and

got back to us right away on any questions we had. I've refinanced twice before but this was the best experiance we had. When rates drop again I won't hesitate to use

again.

-Raymond J.

A

"We had a great experience both times!

’s experience, knowledge, expert advice, attention to detail and prompt handling of any issues" ...More that arose ensured that everything went smoothly.

kept us informed every step of the way. He dealt with unreasonable lender requests and delays promptly and kept everything on track.
He got us excellent interest rates and made what could have been a stressful process a pleasant experience.
We would highly recommend

Complaint Resolution

Local Articles in Rockford

Taking on a mortgage loan is a massive responsibility. Not only is it a huge expense, a mortgage loan is also a complicated set of concepts, options and obligations. Read on to learn how to navigate the turbulent waters of a mortgage loan by learning the fundamentals behind it.

Angie's Answers

DO NOT GO WITH THESE PEOPLE THEY SCREWED US OVER $2000 ON THERE SO CALLED FAST TRACK PROGRAM AND 7 MONTHS LATER OUR CREDIT IS STILL THE SAME AND THEY KEEP FEEDING PEOPLE FALSE HOPES AND PROMISES..DONT GET CAUGHT UP WITH THE COMPANY THEY HAVE A F RATING WITH THE BBB ABD HAVE SEVERAL COMPLAINTS ON RIP OFF REPORT.

As with anything like this, some are scams, some legit but poorly organized or run, some legit. There are a few new companies set up by hedge funds just getting into rentals and into buying foreclosed properties in good shape, which they then rent or lease and will, in some cases, allow rent to partly apply to purchase.

Before you even think about this type of arrangement, you should have it THOROUGHLY reviewed by a lawyer, because once you get into it you will be stuck, and most likely there will be a LOT of terms restricting your investment. Considering the average person moves every 5 years or so for employment or family or medical reasons, and generally these sort of arrangements have to be carried through to completion to get ANY of your investment back out of the deal, it is generally a losing proposition for almost everyone - a fact the companies count on.

Mortgage Lending reviews in Rockford

made the process easy and painless. Searching for a pre-approval, originally, we went through our bank. Not getting the financing we needed for our dream home,

and

was recommended to us from our real estate agent.

...More immediately informed us of other conventional loan options we were not getting from the bank directly.

went above and beyond his responsibilities as the pre-approval process continued offering credit improvement tips and ways to secure the best loan possible at the best interest rate available.

also offered tips on the selling of our current home and how to best pay for the new one.
After approval and time for the loan, we ran into a problem with missing documents we needed to close the loan.

offered advice on how to best solve the problem with the bank. When the underwriters took to long reviewing our file,

was in constant communication to speed things along. Finally after finding out we would have to wait 4-8 weeks for the documents to arrive,

took our file to management at the bank and got the loan approved to close after a full file audit. Again, well above and beyond his duty and responsibility. What can I say other than this is an A+ organization and more importantly an A+ owner.

personally handles everything and informs you of every step along the way.
I don't generally write reviews, but the lengths

went to get my loan approved warrants this thanks and many more. Closing this loan this week saved me thousands of dollars in penalties and storage fees. I only hope others searching for a mortgage broker go no further than

.
Again my family thanks

from the bottom of our hearts. Sincerely,

.

”

- Hector M.

C

Rating

“

The real estate agent was not always good at responding to emails or keeping up with communication during the pre-building stages of the home. This

to delays in the new home construction. For example, she did not correctly record details of the house that we discussed (and were in the contract). This was discovered after the ...More blueprints for the house were done and the permit obtained. Therefore, this process had to start from scratch, which

to a significant delay in construction.
Between final walk through of the home and closing, there was damage discovered in several locations (that was not seen at the final walk through).
After only living in the home for only 5 weeks, this brand-new home has had water in the basement three times.
I would not use this company again.”

- David B.

A

Rating

“

We highly recommend

and

. We were unsure whether we would be able to find the type of financing we were looking for until reading her reviews. When we called, she knew exactly what we needed. She proceeded to find us a loan package tailored to our needs that went beyond what we had hoped for - with ...More surprisingly favorable terms.

is very knowledgeable, professional, efficient, and responsive. Our application process went smoothly via phone and email. She talked us through the terms of the loan initially, and again before closing, to ensure that we understood it. Working with Cobblestone has been the most pleasant and hassle-free experience we have had in obtaining a home mortgage.”

- A. Scott V.

A

Rating

“

I refinanced my mortgage to a shorter term and lower rate and pulled some cash out for home improvements.

was easy to work with and gave good advice. She was very responsive by phone and email. Documents were sent to me via email and sent back overnight mail. It was about as painless as can be expected, other than some standard ...More agonizing over rate lock. (Greek debt crisis did not entirely work in my favor timing-wise, but I got a good rate.) The whole process took about four weeks.”

- Francis F.

A

Rating

“

The process was extremely smooth. No bumps and no surprises. This is my 2nd home loan with

@

. I appreciate his knowledge, expertise and service. Any time I had a question,

responded the same day by phone and /or email.”

- Craig H.

A

Rating

“

It went great! And as close to perfect as possible. Everything in

's control went just as promised, even though this was during the Christmas season. The only hitch we had was with an appraiser who was very much on the conservative side, and even though the appraisal came in lower than anticipated,

...More was still able to help us out. We rolled the equity line into the mortgage, as well as some high interest credit cards, for just under what we had been paying for the mortgage alone. Needless to say, this has saved us a good deal of money since. I can't recommend him highly enough. And did I mention that this was during the Christmas season! He was always available, even taking calls when he was home (in England) for the holidays. He's definitely our mortgage broker from here on out.

”

- William W M.

F

Rating

“

On June 2, 2014 I submitted a completed application and ALL THE FINANCIAL INFORMATION the mortgage lender requested. My wife and I are both retired, have saved almost seven figures in the bank, had credit scores over 800, and had purchased many homes in the years we have been married. Our credit is ideal.....100% gold. I thought we would sail through ...More the process and have no problems wit

. Was I ever wrong!
Our representative, Mr.

, was unhelpful at best and completely disengaged from our process. From June 2 nd when we first applied, until

18th, I never heard hardly a word from Mr.

. Our new house was scheduled to close on

21st and I called him several times during the process to find out how the process was going. I was always assured that everything was great.....no problems, everything will be OK to close on 7/21. On

18 th, a Saturday night, I received a call and was told there were 30+ conditions the underwriters had to have met in order for the loan to close. They had my complete financial history for over 7 weeks, and now, 3 days before the close they need all these conditions met. Much of the information I was asked to supply, was information I had ALREADY given them........guess they "misplaced" it. Some of what they wanted was just ridiculous..... For instances......I deposited $16,000 into my checking to cover house cost....we built a $300,000+ home and had to come up with over $100,000 at closing, so we were moving money into our checking account from investment accounts. Anyhow, on the $16,000 I moved into checking, I took $100 in cash so my wife and I could have lunch. When

received the bank statement showing the deposit, they wanted to know what happened to the $100, since the deposit was only $15,900 and not $16,00. This was only the tip of the provable ice

. There were SEVERAL MORE EQUALLY RIDICULOUS requests thereafter. Finally, after several sleepless nights,

Mortgage finally gave us the OK to close the loan we finally closed the loan on

22, 2015. My wife and I went to the title company, signed all the paperwork and finally owned the home...we thought.

Morgage refused to fund

loan.....this was just hours after they told us we were good to go.....and hours after we completed all the documents at the title company. They refused to fund the loan because we did not sign some obscure piece of paper that would guarantee we were not going to drill for oil or natural gas. This was so far over the top. Both the title company and the builder said that in 15 years of home building they had never heard of such a thing. We finally found an attorney at the builders office and they

up a document outlining the neighborhood where no drilling would ever happen. What a pain.
These are just a couple of the ridiculous hoops

Mortgage made us jump through. From top to bottom, they were thoroughly unprofessional and almost impossible to deal with. I would NEVER, EVER, RECOMMEND THEM to anyone. If you don't want major frustration in your

purchase.........STAY AWAY FROM

MORTGAGE. ”

- RHONDA & Glenn K.

A

Rating

“

My bank was disappointing so I researched and

has the best reviews by far of all the refinance options. Shahram and

answered all my questions. I did the whole loan process via phone, internet, and the traveling notary that came to my home. This was the easiest refinance I have ever done. What impressed ...More me was ALL the people involved are wonderful to deal with. You get the best service and the lowest rates.
This is the best customer service I have experienced so far. His website is wonderful and accurate.